Insurance Plans Comparison
TATA AIG Medicare Plus vs TATA AIG Medicare Senior
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Plus
Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.
What Makes It Special:
Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.
Best For:
Add-ons for extra protection
Covers daycare & hospitalization care
Easy cashless treatment nationwide
High coverage for you & your family
VS
Medicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
You want a family-friendly plan that ensures peace of mind
You want add-ons like global cover or critical illness protection
You want daycare, pre- and post-hospitalization expenses covered
You want cashless treatment at top hospitals nationwide
You want wide coverage with a high sum insured
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Plus Health Insurance Plan VS VS |
![]() Medicare Senior Health Insurance Plan |
| Room Rent |
|---|
Medicare Plus No capping on room rent or ICU charges. |
VS VS |
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
| ICU Charges |
|---|
Medicare Plus No restriction on ICU room rent |
VS VS |
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
| Disease-wise sublimits |
|---|
Medicare Plus No |
VS VS |
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
| Co-payment |
|---|
Medicare Plus Not available |
VS VS |
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
| Waiting Period |
|---|
Medicare Plus
|
VS VS |
Medicare Senior Information Unavailable |
| Restoration Benefit |
|---|
Medicare Plus Not available |
VS VS |
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
| Cashless Healthcare Providers |
|---|
Medicare Plus 12046+ Healthcare Providers |
VS VS |
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
| Cumulative Bonus |
|---|
Medicare Plus Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
VS VS |
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
| Daycare Treatment |
|---|
Medicare Plus Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. |
VS VS |
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
| AYUSH Treatment |
|---|
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
VS VS |
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
| Consumable Cover |
|---|
Medicare Plus Yes |
VS VS |
Medicare Senior Covered for specified consumables as per the policy terms. |
| Initial Waiting Period |
|---|
Medicare Plus 30 days |
VS VS |
Medicare Senior 30 days, except for claims arising from accidents |
| Specific Waiting Period |
|---|
Medicare Plus 2 years |
VS VS |
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
| PED Waiting Period |
|---|
Medicare Plus 3 years |
VS VS |
Medicare Senior 36 months of continuous coverage. |
| Modern Treatment |
|---|
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Medicare Senior Covered as per applicable policy terms and conditions. |
| Annual Health Checkup |
|---|
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
| Pre-Hospitalisation |
|---|
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Medicare Senior Covered for up to 60 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Medicare Senior Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Plus OPD expense is not included |
VS VS |
Medicare Senior Not covered as a general base OPD benefit. |
| Deductible Option |
|---|
Medicare Plus Available |
VS VS |
Medicare Senior Not specified as a standard deductible option. |
| Coverage Options |
|---|
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
| Claim Settlement Ratio |
|---|
Medicare Plus 95.43% |
VS VS |
Medicare Senior Not specified in the supplied policy document. |
| Maternity Cover |
|---|
Medicare Plus Not available |
VS VS |
Medicare Senior Not covered under the base policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
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